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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $86,198 | $115,796-25.6% | $101,264-14.9% | $158,950-45.8% |
| Participation rate | 95.0% | 79.4%+15.6pp | 75.8%+19.2pp | 82.0%+13.0pp |
| Annual return | 11.43% | 56.15%-44.7pp | 46.48%-35.1pp | 302.91%-291.5pp |
| Employer contribution / active EE | $2,659 | $4,175-36.3% | $3,660-27.3% | $4,762-44.2% |
| Participant deferral / active EE | $4,503 | $4,958-9.2% | $4,370+3.0% | $5,983-24.7% |
| Admin fee / account holder | $10,995 | $7,247+51.7% | $5,947+84.9% | $11,248-2.2% |